Chase Freedom 20,000 Point Offer Now Available

Update: Some offers mentioned below are no longer available. View the current offers here.

I've had the Chase Freedom card (No longer open to new applicants) for years now and it becomes even more powerful when combined with the Chase Sapphire Preferred and/or Ink Plus and Bold cards. The card offers rotating quarterly bonuses that allow you to earn 5 points per dollar in certain categories, up to $1,500 per quarter. So if you maximize each 5x quarter, you can bank 30,000 valuable Ultimate Rewards points per year on $6,000 in spend. I value Ultimate Rewards points at about 2 cents a piece.

The standard sign-up bonus on the Freedom card is $100 (10,000 points) when you spend $500 within the first three months of card membership. I've written in the past how Chase often offers more lucrative bonuses when you apply for a card within the branch and TPG reader Bill tipped me off that they are currently offering $200 (20,000 points) with $500 spent within 3 months- twice as lucrative.

I just walked into my local Chase branch in NYC and talked to a banker who confirmed that there is a special promotion currently being offered for $200- but it isn't listed on the laminated card on the banker's desk- so you have to ask for it.

Locate the closest Chase branch near you

I also noticed that they are still offering 50,000 miles on the United Explorer card when you spend $2,000 within three months with the $95 annual fee waived the first year.

And the United Club card with no sign-up bonus (which is normal), but the $395 waived the first year.

I've written about lucrative in-branch offers in the past, but I'm happy to report they still seem alive and strong. Feel free to share any other top offers you've received for inquiring at the branch. If you've signed up for one of these cards recently with a lower sign-up bonus, you can always call Chase or send a secure message via Chase.com to see if you're eligible for the better bonus- never hurts to ask!